Trupanion Canada | Pet Insurance Review

4.8

out of 5

Number of reviews 25,888

Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process. Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets. To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month. 1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy. *Terms and conditions apply. Please view your sample policy for complete coverage details. Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
5

out of 5

POSTED: | BY: Rebecca

Great and fast service,

I am amazed on how fast and courteous Trupanions service is. I used to have my pets enrolled with VPI but switched due to the lack of service with them. With Trupanion my policy is what it is and they are very open and up front with what they cover.
1

out of 5

POSTED: | BY: Lynn Hays

BUYER BEWARE

I was sold on this company (previously with VPI) when they told me that their premiums do not drastically increase as your pet ages, but rather their premiums are a little bit higher at the start compared to other pet insurance companies. Well low and behold I received a 60% increase in my four-year-old labs premium today, from $50 a month to $82 a month. Ironically, this comes after dealing with an unfortunate situation and trying to get my four-year-old Labrador diagnosed and treated following multiple vet visits and diagnostics including bloodwork, x-rays and joint tap. We finally saw an internal medicine specialist who diagnosed my dog with an immune mediated polyarthritis. Trupanion was very good with processing my claims in a timely manner. The agent I spoke with stated that my 60% rate increase had nothing to do with my claims this year. She stated that the increase was due to a 20% cap that was removed in the state of Colorado and that the rate increase was due to the analysis of the veterinary costs in my area (breed specific). I told her a 60% increase is criminal especially based on what I was told at the inception of the policy and how Trupanion prides themselves on not raising rates based on the age of the animal over the life of the policy. Total BS!!! They raised my rates because I had claims this year. Period. End of story! I thought they were different but it looks like I have been duped once again by another greedy insurance company! The kicker is along with my 60% increase they send me this letter stating how happy they are that me and my dog are part of the Trupanion family and that they hope I love them as much as they love us! Oh yeah… I'm definitely feeling the love!
5

out of 5

POSTED: | BY: Janelle Wakaruk

Excellent service during stressful times

We have a greyhound/collie cross who unfortunately has a very sensitive tummy and has been admitted to hospital twice in a six month period for rehydration as she was very, very sick. We never have to worry about any of the details of paying for her treatment which leaves us with peace of mind and time to focus more on our girl. This is the best pet insurance company ever and I recommend them to everyone I meet.
5

out of 5

POSTED: | BY: Mike P

Fast and efficient

Trupanion in great. My mini Schnauzer got bit by another dog (my dog got out of gate and ran up to a dog on a leash, so sort of my fault). Deep punctures on snout and back of neck. Ran to the emergency room - $900 later all is well with my mini, and trupanion covered 90% of the vet bill, no questions! Glad I had them!
5

out of 5

POSTED: | BY: Jason

Great Company

Caring staff, nearly complete coverage that is easily modifiable depending on what you want for a deductible or a monthly payment and best of all they covered my puddy's meds. They're really fast if you have a vet that uses Trupanion Express, a system that allows the company to respond within hours. Also, be sure before you begin the coverage you get the Pawprint done and ask your vet to update your records with the company from time to time; both will save time in the long run.
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Monthly Cost

Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.

Coverage

One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice. To view a full list of inclusions and exclusions, check out our sample policy here.

Payout Limits

Unlimited lifetime payouts on eligible conditions with no payout limits-ever.

Deductible

You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget. Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.

Age Limits

All pets under 14 years old can enroll. Once enrolled, pets stay insured regardless of age.

Waiting Period

Accidents: 5 days Illnesses: 30 days Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.

Exclusions

Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like: Examination fees Wellness and preventive care Elective, or cosmetic procedures Sales tax, where applicable Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early! *Terms and conditions apply. Please view your sample policy for complete coverage details.  
Trupanion Canada Pet Insurance detail
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association. Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion: 24/7/365 Member Support—yes, even on holidays 20+ years of experience $2 Billion paid in claims Over 800,000 pets protected Unlimited Payouts The only provider that can pay your veterinarian directly at checkout* Accepted everywhere in the USA, Canada, Puerto Rico, and Australia * At participating hospitals Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company  
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